Market Price

4.10 

-0.01 -0.2%

as of Jan 23 '19

52 Week Range:

3.93 4.55


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

AmeriServ Financial Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products. It offers retail banking services, such as demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, holiday club accounts, money orders, and traveler's checks. The company also provides lending, depository, and related financial services, such as commercial real estate mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company offers personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services comprising 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it engages in underwriting as reinsurer of credit life and disability insurance. The company operates through a network of 15 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania; and operates 16 automated bank teller machines. AmeriServ Financial, Inc. is headquartered in Johnstown, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 4.07
4.26
4.09
4.07
4.45
4.67
4.76
5.06
5.21
5.29
5.36
growth rate 4.7% -4.0% -0.5% 9.3% 4.9% 1.9% 6.3% 3.0% 1.5% 1.3%
Earnings BIT 6.13
10.11
5.54
11.18
growth rate 64.9% -45.2% 101.7%
Avg.PE 15.75
19.67
10.13
31.25
23.03
growth rate 24.9% -48.5% 208.5% -26.3%
ROA 0.34
0.59
-0.61
0.01
0.53
0.43
0.48
0.26
0.52
0.20
0.28
growth rate 73.5% -100.0% 100.0% 5,200.0% -18.9% 11.6% -45.8% 100.0% -61.5% 40.0%
ROE 3.47
6.02
-6.62
0.14
5.80
4.66
5.48
3.03
6.05
2.37
3.46
growth rate 73.5% -100.0% 100.0% 4,042.9% -19.7% 17.6% -44.7% 99.7% -60.8% 46.0%
ROIC 13.84
9.76
1.69
8.96
9.91
7.42
6.26
3.90
growth rate -29.5% -82.7% 430.2% 10.6% -25.1% -15.6% -37.7%
Leverage 10.02
10.42
11.19
10.98
10.72
11.19
11.44
11.66
11.73
12.09
12.28
growth rate 4.0% 7.4% -1.9% -2.4% 4.4% 2.2% 1.9% 0.6% 3.1% 1.6%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 3.22
2.96
2.91
3.13
3.06
3.12
3.60
growth rate -8.0% -1.8% 7.5% -2.2% 1.9% 15.6%
Acct.Payable 869.88
903.29
967.79
947.95
growth rate 3.8% 7.1% -2.1%
Cur.Assets 41.56
54.65
40.30
40.93
growth rate 31.5% -26.2% 1.6%
Total Assets 979.08
1,000.99
1,056.04
1,089.26
1,148.50
1,153.78
1,167.66
growth rate 2.2% 5.5% 3.2% 5.4% 0.5% 1.2%
Cash 231.87
191.10
190.22
32.87
48.51
34.07
34.18
growth rate -17.6% -0.5% -82.7% 47.6% -29.8% 0.3%
Inventory 0.51
0.08
0.02
0.02
growth rate -85.4% -72.0% -14.3%
Cur.Liabilities 912.76
952.04
992.54
1,009.03
growth rate 4.3% 4.3% 1.7%
Liabilities 866.72
890.52
942.73
974.86
1,029.52
1,058.39
1,072.55
growth rate 2.8% 5.9% 3.4% 5.6% 2.8% 1.3%
LT Debt 51.09
68.31
53.89
54.62
growth rate 33.7% -21.1% 1.4%
Equity 112.35
110.47
113.31
93.41
97.97
95.40
95.10
growth rate -1.7% 2.6% -17.6% 4.9% -2.6% -0.3%
Common Shares 22.00
22.00
21.00
21.00
21.00
20.00
19.00
19.00
19.00
19.00
19.00
growth rate 0.0% -4.6% 0.0% 0.0% -4.8% -5.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 1.67
2.65
3.00
1.72
0.88
1.38
2.71
growth rate 58.9% 13.5% -42.7% -48.8% 56.6% 96.0%
Cash Dividends 1.05
0.83
0.78
0.96
0.96
0.96
1.11
growth rate -21.4% -6.4% 24.1% 0.2% -0.4% 15.9%
Cash From OA 10.79
3.21
14.85
4.96
9.83
6.67
7.68
growth rate -70.2% 362.5% -66.6% 98.2% -32.2% 15.2%
FCF per Share 0.41
0.29
0.05
0.07
0.46
0.03
0.43
0.12
0.46
-0.01
0.64
growth rate -29.3% -82.8% 40.0% 557.1% -93.5% 1,333.3% -72.1% 283.3% -100.0% 100.0%
Sale Purchase of Stock -1.41
-4.42
-1.17
-21.00
-21.00
-21.00
-3.40
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF 9.00
6.00
1.00
1.00
9.00
1.00
12.00
3.00
9.00
5.00
5.00
growth rate -33.3% -83.3% 0.0% 800.0% -88.9% 1,100.0% -75.0% 200.0% -44.4% 0.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 55.53
54.86
55.09
47.99
49.38
44.82
49.41
growth rate -1.2% 0.4% -12.9% 2.9% -9.2% 10.2%
Op.Income 6.54
5.04
5.19
6.30
9.01
3.92
9.27
growth rate -22.9% 3.1% 21.4% 43.0% -56.5% 136.7%
IBT 9.39
7.28
7.48
4.62
8.34
3.21
8.64
growth rate -22.5% 2.8% -38.2% 80.5% -61.6% 169.4%
Net Income 6.54
5.04
5.19
3.02
6.00
2.31
3.29
growth rate -22.9% 3.1% -41.8% 98.4% -61.5% 42.6%
EPS 0.14
0.25
-0.29
0.01
0.24
0.21
0.26
0.15
0.31
0.12
0.18
growth rate 78.6% -100.0% 100.0% 2,300.0% -12.5% 23.8% -42.3% 106.7% -61.3% 50.0%
Gross Profit 47.99
49.38
44.82
49.41
growth rate 2.9% -9.2% 10.2%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 2.88
3.07
2.90
growth rate 6.5% -5.6%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 3.50
3.60
3.56
growth rate 2.9% -1.3%
Acct.Payable 966.92
947.95
944.21
928.18
944.21
growth rate -2.0% -0.4% -1.7% 1.7%
Cur.Assets 34.29
40.93
35.16
42.30
36.45
growth rate 19.4% -14.1% 20.3% -13.8%
Total Assets 1,170.92
1,167.66
1,151.16
1,180.51
1,168.81
growth rate -0.3% -1.4% 2.6% -1.0%
Cash 28.68
34.18
30.59
35.02
31.23
growth rate 19.2% -10.5% 14.5% -10.8%
Inventory 0.34
0.02
0.17
0.16
0.16
growth rate -94.6% 833.3% -4.8% 1.9%
Cur.Liabilities 1,001.51
1,009.03
991.10
1,017.11
1,007.47
growth rate 0.8% -1.8% 2.6% -1.0%
Liabilities 1,073.81
1,072.55
1,055.35
1,083.63
1,071.63
growth rate -0.1% -1.6% 2.7% -1.1%
LT Debt 63.42
54.62
56.37
58.38
60.96
growth rate -13.9% 3.2% 3.6% 4.4%
Equity 97.11
95.10
95.81
96.88
97.18
growth rate -2.1% 0.7% 1.1% 0.3%
Common Shares 0.27
0.27
0.27
0.27
0.27
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.86
0.52
0.08
0.22
0.40
growth rate -40.0% -85.1% 181.8% 83.0%
Cash Dividends 0.28
0.27
0.27
0.36
0.36
growth rate -0.7% -0.7% 32.4% 0.0%
Cash From OA 2.55
2.14
3.59
0.37
-0.13
growth rate -16.0% 67.8% -89.8% -100.0%
Sale Purchase of Stock -0.89
-0.65
-0.45
growth rate 0.0% 0.0%
FCF 1.69
1.62
3.52
0.15
-0.53
growth rate -3.7% 116.5% -95.8% -100.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 12.37
12.65
12.33
12.49
12.70
growth rate 2.3% -2.5% 1.3% 1.7%
Op.Income 2.41
2.56
2.38
2.33
2.72
growth rate 6.4% -7.3% -1.7% 16.6%
IBT 2.25
2.40
2.21
2.18
2.58
growth rate 6.7% -7.9% -1.5% 18.5%
Net Income 1.55
-1.00
1.77
1.74
2.33
growth rate -100.0% 100.0% -1.3% 33.5%
Gross Profit 12.37
12.65
12.33
12.49
12.70
growth rate 2.3% -2.5% 1.3% 1.7%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (14.23)

YOY Growth Grade:

F (11.59)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.51 15.36
EPS / Growth 50.8% 0.27

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 25.9% 25.9%
Future PE 0.01 10.34 22.43
Future EPS 0.29 2.67 2.67
Value Price
MOS %
0.00
-100.0%
6.82
66.3%
14.79
260.6%
MOS Price 0.00 3.41 7.39
IRT 14.22 6.17 6.17

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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